What you need to do before Concur can deposit reimbursements

Concur is an expense management system that many employers use to process employee reimbursements. To receive your money back through Concur, you need to give the system your checking account details so it can deposit directly into your bank. This is not something Concur sets up for you — you enter your own account information into Concur's platform, and your employer's finance team approves the connection before any money moves.

The process takes about 10 to 15 minutes if you have your bank account number and routing number ready. Most employers require this setup before you can submit your first expense report, though some allow you to add it later. Once it is in place, reimbursements typically arrive within 3 to 5 business days after your manager approves your report.

Key Takeaways

  • You enter your own bank details into Concur through your employee profile, not through your bank or your employer's HR department.
  • You will need your checking account number and your bank's routing number, both of which appear on the bottom left of your checks.
  • Your employer's finance or accounting team must verify the account before Concur will process any deposits to it.
  • Reimbursements usually arrive 3 to 5 business days after your manager approves your expense report.

Finding your account and routing numbers

Your checking account number and routing number are printed on the bottom of your checks. The routing number is the first nine digits on the left, and your account number follows it. If you do not have checks, you can find both numbers by logging into your bank's website or mobile app — most banks display them in the account details or settings section. You can also call your bank's customer service line and ask them to read you both numbers.

Do not confuse your account number with your debit card number. The debit card number is on the front of the card and is different from your checking account number. Concur needs the checking account number, not the card number.

Steps to enter your account into Concur

Log into Concur using your employee credentials. From your home page, look for a menu option labeled "Profile," "Settings," or "My Account" — the exact wording depends on your company's version of Concur. Click on it and find the section for "Payment Method," "Direct Deposit," or "Bank Account Information."

Click the button to add a new account. Concur will ask you to enter your bank name, account type (checking), account number, and routing number. Double-check each number before you submit — a single digit wrong will cause deposits to fail. Some versions of Concur also ask for your account holder name; make sure it matches the name on your bank account exactly.

After you submit, Concur sends a message to your employer's finance or accounting department asking them to verify the account. This verification step usually takes 1 to 3 business days. You will receive an email when the account is approved. Until then, you can submit expense reports, but Concur will not process reimbursements to that account.

What happens if verification fails

If your employer's finance team cannot verify your account, you will receive an email explaining why. The most common reasons are a mismatched account number, a wrong routing number, or a name that does not match your bank's records. Check the email for the specific problem and correct it in your Concur profile.

To fix it, go back to your payment method section in Concur, delete the incorrect account, and add it again with the correct information. Resubmit it for verification. The second verification usually takes 1 to 2 business days. If you are unsure whether your information is correct, call your bank and confirm your account number and routing number before you re-enter them.

Timing between approval and your first reimbursement

Once your account is verified, you can submit expense reports immediately. However, the money does not move until your manager approves the report. After approval, Concur batches reimbursements and sends them to your bank in groups, usually once or twice per week. Most banks deposit the money within 1 to 2 business days of receiving it from Concur, so the total time from approval to your account is typically 3 to 5 business days.

Some employers process reimbursements on a set schedule — for example, every Friday — rather than as soon as approval happens. Ask your manager or finance team when your company's reimbursement cycle runs so you know when to expect the money.

Changing or removing your account later

If you switch banks or need to update your account number, you can change it in Concur at any time. Go to your payment method section, delete the old account, and add the new one. The new account will go through verification again before Concur will use it for deposits. During the verification period, any approved reimbursements will be held until the new account is verified.

If you remove an account without adding a new one, Concur will not be able to process your reimbursements. Your manager can still approve reports, but the money will stay in a pending state until you add a valid bank account.

Troubleshooting common problems

If a reimbursement shows as approved in Concur but the money has not arrived in your account after 5 business days, check your Concur profile to confirm the account is still verified. Sometimes a bank update or a system change can cause a verified account to lose its status. If the account shows as verified, contact your employer's finance team and provide them with the report number and the date it was approved.

If you see an error message when you try to add your account, make sure you are using the correct format. Routing numbers are always nine digits, and account numbers vary by bank but are usually 10 to 12 digits. If you are still getting an error, try a different browser or clear your browser cache, then try again. If that does not work, contact your company's Concur administrator or IT support — they can sometimes add the account on your behalf.

Frequently Asked Questions

Can I use a savings account instead of a checking account?

Most employers require a checking account for Concur reimbursements because the system is designed for frequent, smaller deposits. Some companies allow savings accounts, but you should check with your finance team first. If your employer does not allow it, you will need to set up a checking account or use a checking account belonging to someone else on your bank account.

What if I do not have a bank account yet?

You will need to open a checking account before you can receive Concur reimbursements. Most banks can open an account online in 10 to 15 minutes. You will need a government ID, your Social Security number, and an initial deposit (usually $25 to $100, depending on the bank). Once the account is open and you have your account and routing numbers, you can add it to Concur.

Is it safe to put my bank details into Concur?

Concur is owned by SAP, a large software company, and is used by thousands of employers. Your bank details are encrypted and stored securely. You are only giving Concur permission to deposit money into your account, not to withdraw it. If you are concerned, contact your employer's finance team — they can explain what security measures are in place at your company.

Can my employer see my full bank account number?

Your employer's finance team can see enough of your account information to verify it and process deposits, but they typically do not see the full account number in plain text. Concur masks most of the digits for security. If you have privacy concerns, ask your finance team what information they can access.

What if I share a bank account with someone else?

You can add a shared account to Concur as long as your name is on the account. Make sure the account holder name you enter in Concur matches the name on the bank account exactly. Reimbursements will be deposited into the shared account, so both account holders will see the deposit.